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Credit Card Consolidation Loans

Leave high-interest credit card balances behind

Pay off credit card debt with a low-rate personal loan. Fixed rates start at just 5.99% APR. Apply online in minutes.

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We know credit card debt can creep up on you

That’s why we offer quick, money-saving credit card consolidation. With a personal loan from Earnest, you can sweep away high rates and swap them for a single, lower rate. It’s one of the simplest ways to put your financial house in order—apply in just a few minutes.

 

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Radical repayment flexibility for your personal loan

Pay off your loan with options customized to your life
  • Choose your preferred monthly payment
  • Increase your payment amount anytime

  • Make extra or early payments without fees
  • No fees, hidden or otherwise

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An experience designed for savings and satisfaction at every step
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Fair evaluation

We analyze extra information (such as your education, spending habits, and career trajectory) to offer rates personalized to you.

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Fast decision & deposit

We promise a prompt response to your application. If you're approved, we’ll get the money to your bank account within two days.

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Human service

You'll always reach a real human, whether you're seeking answers by email or phone.

"A personal loan feels easier to pay off since it’s broken into payments. It’s a fixed monthly expense you can factor into your budget rather than a negative number hanging over your head."

Lucy D., User Experience Designer

Frequently Asked Questions

What can I use an Earnest personal loan for?

Personal loans can be used for a number of reasons, including but not limited to: vacation/honeymoon, moving/relocation, security deposit, engagement/wedding, home improvement, new job expenses, and career development.

Can I change my requested loan amount?

We can consider approving your loan at a lower amount if you modify your application prior to our decision. Contact our Client Happiness team via email, chat, or phone to request this change or adjust the request by logging in to your Earnest account.

How long do I have to accept Earnest’s personal loan offer?

You have 7 calendar days to accept your Earnest personal loan offer. If you have any questions about your terms or conditions of the loan agreement, please reach out to us as soon as possible.

Have more questions? Visit our Help Center

Money for life's biggest moments

Consolidating credit card debt is a popular use for personal loans—but Earnest clients use their funds for all kinds of occasions. From weddings to honeymoons to home renovations, an Earnest personal loan can help you afford life’s expenses.

Read More About Earnest Personal Loans